The thrill of the hunt in completing the T206 (minus the Big 4) was fantastic and most of my sets are put together this way but you must balance the cost of card by card vs. a reduced rate getting the whole set. If you have the money- get a set and upgrade, if not, card by card is the way to go.
I've purchased some post war sets as a set and then upgraded but on pre-war, it's always card by card.
tbob
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